Heather:

My wife and I’s loans will come due soon, and we’re trying to figure out the best option. Currently, she makes about 27k and I 32k. She’s got about 75k in student loan debt, I about 150k. Also, she does not work for a nonprofit organization; however, I do.

Based on those facts, I wasn’t sure if PSLF or IBR would be the best option. As I understand, PSLF lasts for 10 years, but a minimum balance is required each month. However, IBR lasts for 25 years, but is based on income.

Are one of these two options better? Is there an option I’m not seeing?

Thanks for any help you can offer.